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From the New York Times, I'm Michael Barbaro.

This is the Daily.

Today, student loan deaths are sore and so are defaults on those loans.

A Times investigation finds that creditors are taking extreme measures to get paid.

Those that are costing people the jobs they took out loans to get and that they need

to pay back their loans.

It's Friday, December 15th.

So I've been reporting on the student debt crisis in America since the beginning of the

year and all of its causes and effects and the impact it's having on people just as

they're graduating from school.

Jessica Silver Greenberg is a business reporter at the Times.

And in the course of that reporting, I found this woman, Shannon Otto, who had this incredible

story.

But it was one that at first I could only see through the government documents that I was

looking at.

...